What aspects of finance can be improved by financial planning and why superannuation regulations in Australia can be difficult to navigate without qualified help.

Many Australians ask whether or not they need a financial planner. While we cannot give blanket advice to anyone, we can give you an idea of situations in which a financial planner can be helpful. Ultimately, the decision of whether or not you need a financial planner is yours to make. Here are some services we provide that may be difficult to perform on your own.

Different people attach different meanings and goals to the word “retirement.” A financial planner can help you formulate a customised retirement plan that can help you retire with the income that you want. The sooner you begin planning for retirement, the easier it is to get you there with the lifestyle you want to live.

Superannuation

Superannuation is designed to provide Australians with a vehicle for investing in and saving for retirement. A good superannuation strategy can help you maximise tax concessions in conjunction with any government benefits you may or may not be receiving to ensure a comfortable retirement.

Self Managed Super Funds

Recent changes have made it possible for Australians to self manage their superannuation funds and use them for investments such as real estate. Setting up a SMSF is an intricate process that usually requires professional help to ensure compliance with all regulations.

Cash Management and Debt Advice

At Approved Financial Planners, we have helped a lot of residents in the Perth area get a handle on their spending habits and reduce expensive debt. We advocate knowing exactly where your money is being spent and how much interest you are paying for debt service. We can help those in debt to formulate a debt reduction plan, including goals for how much you would like to owe in five years and when you would like to become debt-free.

Wealth Protection

We also offer a wealth protection program whereby we use insurance to protect your money from tragic, unexpected events. We can tailor a basic risk prevention strategy to your family’s specific needs and review your policies on an annual basis to make sure they are still providing the protection you deserve.

What Our Customers Are Saying About Approved Financial Planners

Andrew provided a first class service. He made the process of refinancing our home loan so easy. He listened to our requirements and found us the ideal product. He liaised with our existing bank and settlement was hassle free. I would definitely recommend Andrew to our friends and family.

-James & Sue, Jane Brook WA

After hesitating for many years to switch our home loan to another bank because of the hassle involved, we met Andrew who took us through the process, showed us products from various Banks based on our requirements and explained what was involved. Andrew made it all so easy. He was always available to answer our queries and communicated with us at each step. Andrew listened to our requirements and was able to find a home loan package that we are really pleased with. Thanks to Andrew and his expertise, switching from one bank to another was so much easier than we thought. We would have no hesitation in recommending Andrew to anyone who is looking for a first home loan, or like us, is looking to change their current lender and find a better home loan product. –James & Sue, Jane Brook WA

-James & Sue, Jane Brook WA

Andrew has an excellent understanding of mortgage lending and the products available. He constantly kept me updated through the process and would no hesitation using his services again.

-Jayden, Jane Brook WA

Great dealing with Andrew, he’s very knowledgeable and easy work with and that’s why he’s been out broker for many years including 2 homes.

-Ben & Cherie, Leeming WA

I was very impressed by Janine’s professionalism and ethics as well as her knowledge of the field. She was always well organised, and maintained contact, she was also available to answer any queries and always got back to me straight away. Janine provided comprehensive information and several financial options and with her continual support I was able to select a suitable lender that met all of my requirements. I will be recommending her to family and friends and will remain a long term client, thanks for everything Janine.

-Charlette Barry -Teacher, Maylands

As my Financial Planner, David advised me on my superannuation and as I approached retirement, he put a strategy in place which has saved me tax and provided considerable additional funds in retirement. David continues to look after my funds and he is never too busy to meet or chat on the phone.

-Rick Martin -Retired MD, Waterside Welding Fremantle

I have found my Approved advisor Dan Stevens to be good to deal with, easy to get along with and has always done the right thing for myself and my family. My son is now a client and I am satisfied that he is in good hands.

-Steve Brown -Director Origi Quip, Welshpool

If it weren’t for Sean and the team from Approved, we wouldn’t be in our new house today. They helped us gather a deposit using one of our supers and got the loan through for us. Where others had told us it couldn’t happen, Sean and the team proved it could. They had everything signed, sealed & delivered in under six weeks and with very little effort on our part. An amazing team, we are very grateful for.

-Sharon and Dennis Randell

While recently implementing changes to my superannuation, Daniel was very capable and professional in his approach. Combined with a relaxed and friendly nature, the customer experience at approved is one I would definitely recommend.

General Advice Warning

What you need to know.

Any advice contained in this Page is of a general nature only and does not take into account the objectives, financial situation or needs of any particular person. Therefore, before making any decision, you should consider the appropriateness of the advice with regard to those matters.

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What aspects of finance can be improved by financial planning and why superannuation regulations in Australia can be difficult to navigate without qualified help. Many Australians ask whether or not they need a financial planner. While we cannot give blanket advice to anyone, we can give you an idea of situations in which a financial […]

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